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A competitive interest rate home loan with interest only options. Interest rate 3.64%p.a.
comp rate of 3.66%p.a.
Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule. Get $1,000 cash into a USaver account when you apply for a loan of $200,000 or more. Terms and conditions apply.
Loans over $150k get a discount off an already low fixed rate. Available for NSW, Qld and ACT residents only.
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Just turned 65, does this have a vast impact of getting a morgage loan
Hi Vicki,
Thanks for reaching out.
Appling for a home loan at this age may prove more difficult but your ability to qualify for a loan will depend on the type of home loan that you’re applying for as well as your income, assets, credit history and any existing debt that you have (e.g. credit cards or personal loans).
Unfortunately many lenders will view you as a high-risk borrower if you’re no longer in the workforce and therefore do not have a steady income source. As a result, you may be charged higher fees or a higher interest rate depending on the individual lender’s policy.
It’s strongly advised that you speak to a mortgage broker regarding your borrowing options to ensure that you apply for the right type of finance for you. For instance, you may want to consider a fixed-rate home loan for greater certainty and security of knowing what your repayments will be.
You can learn more about the risks involved when applying for finance during your retirement years on this page.
All the best,
Belinda